Having an iPhone insurance policy might one day prove just as useful to you as your iPhone itself.
Why?
Of course, to most of us, insurance probably is not as naturally interesting a subject as the iPhone. Your iPhone insurance policy will typically sit in your files or inbox doing absolutely nothing month after month - so much so that you may even forget it is there.
However, all that may change in the blink of an eye if you are unfortunate enough to suffer:
· the theft of your iPhone; · its destruction or serious damage, due to an accident; · its breakdown outside of the manufacturer's warranty period; · its accidental loss (cover typically available as an optional extra).
Then, suddenly, your iPhone cover is going to seem very important to you indeed.
If you are unlucky and your iPhone breaks down within the manufacturer's warranty period, then that is something you should typically progress with the retailer.
However, in the case of accidental damage (including liquid damage with some providers); loss (if you have optional cover); theft; or malfunction outside the manufacturer's warranty period, then:
some policies provide cover through the idea of replacement - in other words, if your claim is approved, the gadget insurance provider will make arrangements for a replacement iPhone to be with you within 48 hours; the same policies may also offer international cover so that you can be a little more confident about taking your iPhone overseas with you.To be entirely sure that your cover is in place, you may typically need to comply with a few basic conditions including, perhaps, things such as:
· not leaving your iPhone unattended unless it is locked away and secure; · not tampering with it, as damage caused by your efforts to modify or fix it may not be covered (that may also include fitting accessories); · not lending it to people - as that may also invalidate your cover in some cases.
Of course, as with any insurance product, terms and conditions, exclusions and limitations will apply and you may wish to read these carefully to ensure you understand them.
Nobody seriously doubts that the iPhone has defined new standards for chic style and powerful functionality. Unfortunately, with that comes price and few people would describe the iPhone as being cheap.
It therefore represents, for many people, a big chunk of capital.
Taking steps to protect that investment may seem a sensible thing to do and that is where iPhone insurance may be able to play a part in helping you achieve that.
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